At John Amato Nissan, we can work with all types of credit. If you have excellent credit, we can offer competitive terms with one of the many major banks or credit unions in our network. However, if you have had issues with credit in the past, don’t worry; we can help you, too! We have programs in place to help our customers establish and re-establish their credit. We understand that bad things happen to good people and that is why we have these programs in place. We can even secure financing for individuals with Chapter 7 bankruptcies and Chapter 13 bankruptcies – open, closed, discharged, or dismissed – we can help! We can even work with child support issues.
We have over 30 banks and credit unions at our disposal, so what we will do is take a look at your credit profile and match you with the bank that works with your profile. If our lenders cannot offer financing to you, we have our own in-house financing to get you into a short term loan through our program called Preferred Credit. With Preferred Credit, we report to the credit bureaus so as you make your payments on time, your credit score goes up! That way, the next time you’re in the market to buy a car, you will have access to a wider selection of vehicles; more car, lower interest rates and possibly lower payments.
Although John Amato Nissan works with all major banks, we are also one of the very few dealerships that has its own finance company which allows us to make all financing decisions. We understand that people mistakes …. and that we learn from those mistakes. That is why Amato Automotive is willing to finance your future and not your past.
Amato Preferred Credit was established in 1991. Preferred Credit Corporation allows us to extend financing to people who otherwise would not qualify. With that we take a more personable approach. Traditional financing only takes a look at numbers, where we hear your story. We take the time to find out what happened and we guide you in the direction to reestablish your credit.
We partner with major lenders like Nissan Motor Acceptance Corporation, Ally, Chase, PNC, and Capital One. We also have strong relationships with local credit unions like Landmark, Marine, and Guardian.